this question comes to us from a woman named sandy who writes: what happens if there are not enough sign-ups to support the law? does it just become another taxpayer bill to pay? do you know? >> the risk is because people cannot sign up true the web sites or -- through the web sites or it takes a long time to do so, the only people who will sign up are the very sickest. if that happens, you're going to get a process known as adverse selection death spiral where because only the sickest signed up, the premiums will be sky high, no one will be able to afford them or the healthy people will stay away from these plans, and eventually insurers will leave the market, and people won't be able to buy health insurance at any price. that is a very real danger that we face under this law. jon: so, igor, then what happens? i mean, who steps in to pick up the tab? >> well, i don't want to go down the doom's day road just yet. certainly, young and healthy people are very, very important. you've got to make sure they're part of system, and if the web site functions by the end of november like the administr